Revised and updated, this new edition of Idiot's Guides: Personal Finance in Your 20s and 30s, Fifth Edition, explains all the basic information anyone in this age group will need to manage your personal finances or enhance your financial plan to yield better returns on their investments.- Revised and updated, this guide will cover the basics of personal finance for your 20s and 30s, such as creating and following a budget, learning how to maintain a healthy savings, and building an emergency fund.- Up-to-date look at internet and online banking and choosing the best account options.- The truth about credit cards, how to wisely use them, and how to pay off debt wisely. - Creative ideas for developing a plan to pay off student load debt and understanding your choices if you choose to further your education. - Ways to make wise choices on big purchases such as homes and transportation.- Tips on how to make the right choices when you're unemployed or underemployed, short on assets/funds, or lack employer-sponsored healthcare options- A thorough explanation of 401(k) plans, individual retirement accounts (IRAs), and how to make the most of them. - The basics on investing your money wisely.